Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • apple muncher
    • By apple muncher 29th Dec 17, 3:41 PM
    • 6,805Posts
    • 50,673Thanks
    apple muncher
    NST January: Health, Wealth and a Life Well Lived
    • #1
    • 29th Dec 17, 3:41 PM
    NST January: Health, Wealth and a Life Well Lived 29th Dec 17 at 3:41 PM
    Welcome to January


    Make 2018 the year that you rid yourself of debt, beat down the mortgage, get on top of your spendthift ways, learn new skills and set yourself up for the future.


    2018: Health, wealth and a Life Well Lived
    (Shamelessly lifted from Craig Ballantyne at earlytorise.com)

    Janus is the god who looks both backwards and forwards. A new year can be a time to look back over the previous year (but we turtles have already done this in December). So this is a time to look forwards - where do you want to be in 12 months from now? 5 years? 10 years?


    Activity. This is a BOGOF one. Take up a new hobby or resurrect a new one. ALSO, be active. Keep moving.


    Non-negotiables:
    -18 NSDs (if not, why not?)
    -your bugets are set by the start of the month and are fixed.
    -£5 to foodbank / charity
    -pay money to your debts FIRST - do not wait to see how much is left at the end - and live within your budget
    -meal plan


    Unabashed, unambiguous, unconditional, undaunted, undivided, unerring, unshakeable devotion to your goal(s). [more on this later]


    Always plan your meals; always take a shopping list; always take your lunch to work and drink + snacks when out and about; avoid all coffee shops, vending machines, work canteens...


    Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read.

    You are the key to reducing your debt, living modestly, keeping as fit and well as you can. So look after yourself - physically, spiritually, mentally and emotionally.




    I want to re-introduce Bob's s t r e t c h challenge for January: how much extra an you earn / save off your food shop / move / remove.


    Would joining the 1% thread help you? Or the MFW for 2018? Or the pay off all your debts by xmas18? Does reading mrmoneymustache or frugalwoods inspire you?



    Who is with me for January?


    Post your name (not the whole challenge, please) to sign up.



    NST January #1; NSD 14/18; Ex 17/12; craft 2/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 9
    • greent
    • By greent 4th Jan 18, 11:15 AM
    • 6,671 Posts
    • 67,856 Thanks
    greent
    Happy birthday x_raphael_xx - hope you have a lovely day
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £0/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 £991.65/£17044.10 Decluttered 151/2018 items
    • arc2014
    • By arc2014 4th Jan 18, 11:37 AM
    • 179 Posts
    • 827 Thanks
    arc2014
    NSD #3 today!

    Going to sort some piles for music magpie, eBay & charity later. Walk round to the post office to post a return parcel & will pop to my parents & grandparents to pass the afternoon.

    Day 3 of healthy eating today, I've already lost 3lb since the start of the year! Hoping to be back to my pre Christmas weight by the end of the week! Onwards and downwards in that respect!

    Chicken pie filling in the slow cooker and pastry defrosting.

    Today I am grateful for Disney films, family and home cooked food!
    Logbook Loan 970.42/1000 · DC1 90/1420.32 · DC2 10/321.13 · DC3 11.75/11.75 · DC4 60/635 · Personal Loan 1706.96/5000 · Overdraft 0/1200 · Total 2675.76/9388.20
    SPC #200
    PAYDBX18 #014 - £761.74/10,000
    Lightbulb Moment September 2017 - DFD Christmas 2018!
    • thriftylass
    • By thriftylass 4th Jan 18, 11:55 AM
    • 3,182 Posts
    • 26,125 Thanks
    thriftylass
    Just went trough my numbers again and put another 200 towards the CC. Wanted to try s t r e t c h but thought if I wait if I have anything left after my budget it might not work. Will just have to do with a tighter budget.
    NST Janus 42
    SFD 8/20 spends 220/450
    Exercise 6/20
    Debt - all 0% 1900 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 105216 (01/18) OP 0
    • Kerry Woman
    • By Kerry Woman 4th Jan 18, 12:21 PM
    • 2,142 Posts
    • 20,548 Thanks
    Kerry Woman
    x_raphael_xx - Wishing you a Happy Birthday.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST January: Health, Wealth and a Life Well Lived NSD 13/18
    • Saveforabetterlife
    • By Saveforabetterlife 4th Jan 18, 12:22 PM
    • 30 Posts
    • 410 Thanks
    Saveforabetterlife
    Hello all

    Finally getting round to goals! I am very much on it with the money saving and am going to try to keep up with you all this year. Mothernerd what a weirdo!!!

    Janus So this is a time to look forwards - where do you want to be in 12 months from now? Plans for the house extension in place. House completely clear & clutter free. Fitter and weighing at least a stone less. 5 years - mortgage free or at least very little. Part time working 10 years? Retired - perhaps self employed tutoring instead of teaching.

    Activity. This is a BOGOF one. Take up a new hobby or resurrect a new one. Try to read more. Managed 43 books last year - I used to read at least a couple a week. Exercise. More family time e.g. board games etc.

    Non-negotiables:
    -18 NSDs (if not, why not?) 1/18 today.
    -your budgets are set by the start of the month and are fixed. Going to really try with this. Moving to cash rather than Credit card. We always pay off, but never any money left for savings and the credit card gives me a gung ho mentality about money!

    -£5 to foodbank / charity always
    -pay money to your debts FIRST - do not wait to see how much is left at the end - and live within your budget Credit card bill is HUGE for November/December. Paid most of it off. Just chronic overspend on all three kids' birthdays and Christmas food/presents/entertaining. Ridiculous. Could have overpaid so much on the mortgage. Not doing this next year! Starting the 1p challenge just ticking off what I have each day in change lying around.
    -meal plan On it!
    Always plan your meals; always take a shopping list; always take your lunch to work and drink + snacks when out and about; avoid all coffee shops, vending machines, work canteens... Making shopping list for tomorrow now, don't work outside the home but do a bit of voluntary work. On it!

    Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read. Always donate to charity shop - have a regift box. Reading!!!!

    You are the key to reducing your debt, living modestly, keeping as fit and well as you can. So look after yourself - physically, spiritually, mentally and emotionally. Determined to look after myself & pamper a little each week, have already had a face pack yesterday, need to do things for myself instead of being a in constant rush doing stuff for family.. Put on so much in November/December. Scales a horror story! Was thinking of rejoining SW but determined to not throw the money away but do it myself. Starting on Monday properly as I'm back to work, and this weekend going to Stratford to see a play at the RSC so will be eating out - but starting to reduce already. I'm a teacher and my job is stressful. Since September I've been very strict about scaling it back so going to continue with this.

    I want to re-introduce Bob's s t r e t c h challenge for January: how much extra can you earn / save off your food shop / move / remove. Doing store cupboard challenge in January/February. I have MASSIVE stock of food. Only going to buy the basics!
    NSDs January 14
    Overpaid mortgage January £521
    £2 club £26 for holidays
    • Igamogam
    • By Igamogam 4th Jan 18, 2:02 PM
    • 5,469 Posts
    • 44,278 Thanks
    Igamogam
    Janus is the god who looks both backwards and forwards.
    Certainly will not be looking back at 2017!
    12 months - house in order and organised. I will be 10kg lighter
    5 years - early retirement. Debt gone. I plan to do gardening and become a PT van dweller
    10 years - hopefully still in the garden but still not reached the age to claim my state pension

    Activity.
    Going back to yoga - had a hit and miss year with it due to circumstances. More beach and mountain walks - both on doorstep
    Picking up knitting again with a project in mind and possibly return to a cross stitch WIP.....we will see

    Non-negotiables:
    18 NSDs Easy! I only venture near a shop on a weekend. I dont count bills etc
    Budgets Done - dropped to £60 per week for 2 sometime 3 adults and 2 cats and a doorstep milk delivery. Has been £70 for last 2 years so going to give this a try. I take the cash out and when its gone its gone! Any change goes into my change pots - see at end.
    Charity Hmmm I have quite strong views on charity giving in that I rarely hand over cash! I donate all my decluttering that is saleable to one particular shop and they claim GA in return on anything that sells and I get N*ctar points. I also buy things from said charity shop - cards, chocolate and second hand books, clothes etc I donate to whichever animal charity is collecting foodstuff at the SM each week - tin of cat food etc. Stopped foodbank donations after being challenged by a Food bank volunteer asking why I was putting stuff in animal charity basket and not foodbank....non of her business but I explained I donated to each alternate weeks - not good enough for her so that was the end of me giving to food bank I am afraid. I also donate time - volunteering for the local branch of a national charity - I am the treasurer. So I think I have covered "charity"
    Debts FIRST All on DD for more than the minimum and I often tidy up the bank account at the end of each day and sweep the pennies onto one of the CCs
    meal plan Lapsed but back on it now - especially on reduced budget


    Unabashed, unambiguous, unconditional, undaunted, undivided, unerring, unshakeable devotion to your goal(s). Is there any other way!!? Years ago I read on MSE somewhere to regard debt busting as a hobby so it doesnt become a chore. Going back to this idea as my ultimate goal is to be debt free


    Always plan your meals; Yep. always take a shopping list; Yep. always take your lunch to work and drink + snacks when out and about; Yep. avoid all coffee shops, Nope. I will avoid all chain coffee shops - not hard as I have never stepped inside one! However we are keen to support local independents and will continue to do so. Its not a daily or weekly basis but we do like a good proper coffee made by someone passionate about it an knows what they are doing!! vending machines, cant remember the last time I used one !work canteens... Dont have one.


    Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read.
    Demon recycler here - nothing gets past me and cant bare waste. Dramatically reduced our single use plastic consumption last year and will continue to do so - we all have stainless straws and water bottles now. Belong to a book group but need to read more that the chosen book - need to find time for this!

    You are the key to reducing your debt, living modestly, keeping as fit and well as you can. So look after yourself - physically, spiritually, mentally and emotionally.
    I have refocused



    I want to re-introduce Bob's s t r e t c h challenge for January: how much extra an you earn / save off your food shop / move / remove. Selling on Eb*y and Facebook will be my saviour this year. Also going to 'bank' the few pence that the till receipt claims I have 'saved' by shopping at that particular SM and at the end of each of month it will be paid of a CC - however small. Just a little task to keep that 'hobby' interesting I also have a number of change pots - 20p 5p and £2 - when they are full I take to a bank to pay off against a CC. I use to collect £1 with dragon on but all £1 are the same ATM - will have to wait to see if Royal Mint decide to add to the design.

    Well I am glad I got all that down - now to act on it all and keep at it. I have a good feeling about this
    Be the change you want to see -with apologies to Gandhi
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat'
    • lcc86
    • By lcc86 4th Jan 18, 2:43 PM
    • 943 Posts
    • 2,671 Thanks
    lcc86
    Was going to come and post a few of the positives and negatives I've had this week but have just had a quote for our roof and we're looking at about 30k... Split between 6 flats it's not so bad but it means we're going to have to borrow money yet again... I'm also really angry as they knew this roof needed doing 5 years ago but we're too cheap to do it, so when we bought the place we noticed a small leak and pushed for a survey and now it's going to cost a small fortune whereas before it wouldn't have done...
    Last edited by lcc86; 04-01-2018 at 2:48 PM.
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    25/08/17 £802 owed 21/12/17 cleared and determined to stay debt free this time
    £762/£1000 EF £718 saved for household jobs
    • Toni'sfriend
    • By Toni'sfriend 4th Jan 18, 3:28 PM
    • 753 Posts
    • 10,924 Thanks
    Toni'sfriend
    NSD 3/18
    Few extra jobs done today. Cleaned cooker (working up to the dreaded oven), tidied the cupboard under the sink and cleaned the fridge. Major triumph - C actually agreed to throw some things out (but not the brussel sprout, Abundant).
    Still eating from freezer (made liver and bacon casserole which we are having with some frozen mashed turnip and carrot which have been there forever). Just about to go and make some soup for tomorrow's lunch using some carrots which are getting just a little soft and some of the frozen chicken mountain.
    Another bit of decluttering. I think things are beginning to look better already.
    I didn't manage to get to donate to the homeless mission today (waiting for a delivery for a neighbour) but the items are here so I'll add it to next week's.
    Happy birthday, x_raphael_xx. Hope you had a lovely day.
    • Dottydaisy
    • By Dottydaisy 4th Jan 18, 3:48 PM
    • 65 Posts
    • 897 Thanks
    Dottydaisy
    Janus Look back at 2017. A mixed year for health, wealth and life well lived. Some good times some bad, but overall OK.
    Looking forward in 12 months I hope to have 1 credit card £3900 paid off, but have committed to some things throughout the year so I don't know until I try if it is possible.
    In 5 years all my debt paid off and able to live comfortably again.
    In 10 years I will be 81, so I hope my health is ok and I am still in my bungalow with its lovely garden.


    Activity I will complete the knitted cardigan I started and get my 6 undone jigsaws out, do them and pass on to the charity shop. Colouring books may get an airing as well


    Non negotiable Can't promise 18 nsd but will try for as many as possible. Charity - sponsor guide dog on dd monthly, but will also put something in food bank. All debts on dd's throughout month Set my budgets as below and will meal plan.
    Budgets Food £300, (working on lowering this), transport £70. Social £100, Xmas, Hols, car maintenance all new s.o's at £20 each per month, all bills £420.


    Always will have a go at planning all meals, have a weekly grocery delivery after doing meal plan, coffee shops I use to socialise especially our local not for profit one - will cut out cakes!


    I WILL reduce my weight this year, regift unwanted presents to charity shop, always recycle, recover my health and peace of mind by getting healthier and also saying no to things I don't want to do or is inconvenient. I always read - even the small print all the way through!! Will read my pre Christmas stash be and give to cs before my lovely Christmas gifts.


    Bobs stretch will look into this, at the moment can only think of sharing a pizza instead of one each.


    Am living in a bungalow with £190,000 equity and cc card debts from when we moved. I am obviously cash poor. I have been toying with the idea of equity release so I can be a bit richer but still leave inheritances. Has anyone any ideas re this.


    Update NSD 2


    Byee Dotty
    • greent
    • By greent 4th Jan 18, 3:50 PM
    • 6,671 Posts
    • 67,856 Thanks
    greent
    Day 4/31
    Janus a time to look forwards - where do you want to be in 12 months from now? 12 months: debt free (exc BTL mtge - but target of 4K ops) A decent no of jobs completed from our 'to do' list for the house (some are small, some are big/ long term/ expensive) Fitter. Hopefully with 2 children at uni. Pensions sorted.
    Today - £7.37 transferred to BTL mtge (to round off a sub account balance )

    Activity. This is a BOGOF one. Take up a new hobby or resurrect an old one. ALSO, be active. Keep moving. - Currently at 7.5k steps for today, so should hit 10k target. No formal exercise, but short school run walk x2 + housework (inc hefting boxes of decs around)

    Non-negotiables:
    -18 NSDs (if not, why not?) (not fussed if I don't achieve this as long as budgets aren't blown) 1/18
    -your budgets are set by the start of the month and are fixed.
    Food - 23.15/£400
    Fuel - £63/65 - filled my car up today - I was running on basically empty (range of < 5miles)
    Toiletries - £10
    Household - 3.72 /£20 -
    Clothes - £60
    Social - £100 (includes takeaway for DS2's bday)
    Gifts - £50
    -£5 to foodbank / charity - Direct debit to charity set up. Also got some babyfood free through a shopping app which I will donate to foodbank
    -pay money to your debts/savings FIRST - day to day CCs paid off in full. Some money transferred to kitchen fund. My tax bill paid in full (£565)
    -meal plan - I don't do this. OH hates meal planning. However, I am targeting stuff which needs using up first, even if only for me.

    Always plan your meals; always take a shopping list; always take your lunch to work and drink + snacks when out and about; avoid all coffee shops, vending machines, work canteens... -ok
    Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read. ok! Nothing bought. 3 things added to CS pile today.

    Stretch challenge - aim to get extra money of £50. £0.29/£50 (although have been doing surveys today so will ultimately see the benefit when at a level to cashout) Aim to declutter 50 items. 70/50
    Have joined pay off all your debts by Xmas 2018, MFW 2018 (looking to OP £4k on BTL mtge), Declutter in 2018 (aiming for 2018 items!) Relisted 7 items on fleabay

    something Joyful in Jan

    Xmas tree taken down and boxed up today - and then all bits vacuumed up. Lots of ironing done - and put away (!) Lots of surveys done (earning me a pittance, but better than nothing )
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £0/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 £991.65/£17044.10 Decluttered 151/2018 items
    • thriftylass
    • By thriftylass 4th Jan 18, 3:59 PM
    • 3,182 Posts
    • 26,125 Thanks
    thriftylass
    [B]

    Am living in a bungalow with £190,000 equity and cc card debts from when we moved. I am obviously cash poor. I have been toying with the idea of equity release so I can be a bit richer but still leave inheritances. Has anyone any ideas re this.

    Originally posted by Dottydaisy
    To be honest with 190k equity (I guess that is a big portion of the value) and only 4k debt I would do it (although I have no idea how it works, what it costs or will do to your mortgage payments). But it'll leave plenty for inheritance, care plans or whatever could be needed. Also the debt is from moving costs and not frivolous spending which I think makes a difference. I wouldn't recommend it to anyone who accumulated debt by living beyond their means etc
    • dolly84
    • By dolly84 4th Jan 18, 4:30 PM
    • 3,573 Posts
    • 32,910 Thanks
    dolly84
    Igamogam - yay to the metal straws, we don't have them but have been refusing straws for a long while now - they are an environmental nightmare.

    Spent £4.60 whilst out with the kids on car parking, chips for lunch and a dvd in a CS. Also spent £19.75 on a new school skirt for DD, total rip off as it is a very cheap unlined skirt but it has to match the blazer which makes no sense as the blazer and skirt are brown but girls can wear black trousers and boys can wear black or grey trousers.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • Kerry Woman
    • By Kerry Woman 4th Jan 18, 5:45 PM
    • 2,142 Posts
    • 20,548 Thanks
    Kerry Woman
    Achieved NSD today 2/18.
    Went for a walk in the park.
    Really finding it hard to motivate myself to do things and get into a routine this month. Hopefully it will improve. I do try and do something each day, but not a lot.
    Put somethings aside that will go into the recycling bin.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST January: Health, Wealth and a Life Well Lived NSD 13/18
    • apple muncher
    • By apple muncher 4th Jan 18, 6:50 PM
    • 6,805 Posts
    • 50,673 Thanks
    apple muncher
    igamogam - please, please check the small print on equity release. I believe that they charge interest so will effectively own more of your house with each passing year.

    Oops! Imeant to address this to dottydaisy. Sorry!
    Last edited by apple muncher; 04-01-2018 at 7:53 PM.
    NST January #1; NSD 14/18; Ex 17/12; craft 2/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 4th Jan 18, 6:51 PM
    • 6,805 Posts
    • 50,673 Thanks
    apple muncher
    Unabashed devotion to your goal - question 2
    How does playing sport (or going for a walk) make you feel? What do you enjoy about it?
    NST January #1; NSD 14/18; Ex 17/12; craft 2/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Toni'sfriend
    • By Toni'sfriend 4th Jan 18, 7:09 PM
    • 753 Posts
    • 10,924 Thanks
    Toni'sfriend
    Well, I've always hated playing sport. I wasn't really ever very good at it and horrible teachers at school pointing out how useless I was didn't encourage me to try anything new. However, walking is the best thing ever for clearing your head. I wish I had really taken it up seriously when I was younger and fitter. But still, just wandering around a city looking at the architecture and soaking up the history is a joy. Parks and river walks are a great introduction to nature. And you meet such nice interesting people. I'm hoping to do more of it this year.
    • Kerry Woman
    • By Kerry Woman 4th Jan 18, 7:19 PM
    • 2,142 Posts
    • 20,548 Thanks
    Kerry Woman
    I do not do any sport. I have signed up to do some sort of activity each day this month for a mental health charity. I am going out for a walk each day. Makes me to get out each day. Mainly I am going to the park and is nice to meet people and I do the walk in my own time.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST January: Health, Wealth and a Life Well Lived NSD 13/18
    • thriftylass
    • By thriftylass 4th Jan 18, 7:55 PM
    • 3,182 Posts
    • 26,125 Thanks
    thriftylass
    I used to be rubbish at PE in school but sporty otherwise but never when I had to iykwim. When I started choosing and trying new things myself i got better, became MVP of our softball league in my 20s and now started doing triathlons close to 40 and feel better and fitter than ever.
    NST Janus 42
    SFD 8/20 spends 220/450
    Exercise 6/20
    Debt - all 0% 1900 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 105216 (01/18) OP 0
    • mummylewis
    • By mummylewis 4th Jan 18, 8:01 PM
    • 79 Posts
    • 728 Thanks
    mummylewis
    I hated sport at school and have never gotten into anything as an adult.
    I do enjoy long walks and if I do a workout or something similar I always feel good for it, I just never stick to anything. I'm my own worse nightmare really.

    Today was NSD number 3, very pleased to be getting on well with it. DH is less enthused (I told him he can't have a morning Gregg's sausage sarnie) but he's being very good!

    Day off today, glad because my cold came back with force at work last night. Just as I thought it was on the way out! Early night for me.

    Meal plan done for the rest of the week, just did some pork stir fry and got two new recipes to try, will let you know how they pan out! (Is it possible to upload pics here via mobile?)

    Tomorrow is a long work day but I don't have to be customer facing so I'm looking forward to that! Also should be another NSD and I'll finally get time to go to the bank and top up the savings with Xmas money. Didn't get time yesterday in the end.

    I'm going to have a cup of tea and a good sleep now! Night turtles! X
    Money Saving since 2016 and determined to be debt free by 2020.
    • lcc86
    • By lcc86 4th Jan 18, 8:14 PM
    • 943 Posts
    • 2,671 Thanks
    lcc86
    How does playing sport (or going for a walk) make you feel? What do you enjoy about it?
    Originally posted by apple muncher
    I love getting out and going for a walk or a run. I also love horse riding and the fact that it enables me to get out and about and either have a quick blast or a slow plod with my thoughts. I just love being in the countryside in general, it's so peaceful.

    I've also decided to give kickboxing a try, there's a group near me which has a free session I can try. If I like it I'm going to try and go twice a month.
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    25/08/17 £802 owed 21/12/17 cleared and determined to stay debt free this time
    £762/£1000 EF £718 saved for household jobs
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,772Posts Today

9,119Users online

Martin's Twitter